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Frequently Asked Questions


Q: What is a credit union?

A: Credit unions are member-owned, not-for-profit financial institutions that provide many of the same financial services that banks do, including checking and savings, loans, credit cards and ATMs.  However, they are uniquely different from for-profit institutions and offer special advantages:

Q: How do I join Family First Credit Union?

A: To become a member of the credit union, simply fill out a membership form and return it to either branch along with the following:

You must open a share (savings) account with a minimum $5.00 initial deposit.  To remain a member, you must maintain a $5.00 balance in your account and demonstrate regular activity.  You will have access to all of our services once you open your share (savings) account.

Q: How do I add/remove a joint member to/from my account?

A: To add a member, you will need to complete a new signature card, in which you and the joint member sign.  To remove a member, all joint members of the account need to agree to the removal, or the account can be closed and remaining joint members may open a new account.

Q: Can my family members join the credit union?

A: Yes, your immediate family, including your spouse, children, brothers, sisters, parents, grandchildren, and grandparents can become members.  Also, aunts, uncles, cousins, and anyone living in your household are also eligible to join.


Q: How do I apply for a loan?

A: Members will need to complete a loan application.  You can complete an application in person, via fax, on our website or request a copy by mail.  We will also need verification of income to accompany the loan application.  (Employees of Fulton County BOE don't need proof of income)

Q: How long do I have to be a member before I can apply for a loan?

A: You may apply for a loan as soon as you become a member.  There are no minimum time requirements for membership to qualify.  All members that maintain $5 in their share (savings) account will have immediate access to all products and services.

Q: What does the credit union look for when determining loan approval?

A: At Family First Credit Union, there are a variety of determining factors, such as employment history, amount of total debt, credit score, purpose of the loan, and your relationship with the credit union.  However, loan decisions are based on case-by-case situations since our members are more than just a number to us.

Q: How long will it be before a loan decision has been made?

A: In most cases, we should have a loan decision within 24 hours.


Q: Why should I use direct deposit?

A: Safe --- Your paycheck is protected against loss or theft,
Worry-free --- Assurance of deposited check, even when you’re away from home,
Saves time --- No longer have to make trips to the credit union or stand in lines,
Convenient --- Deposits will be made for you automatically.

Q: How will I be able to keep track of my money?

A: You can access your accounts 24 hours a day, 7 days a week for balance inquiries, transaction history and to transfer funds within the same account number with our safe and secured NETBRANCH online banking.

To sign up for NETBRANCH, come by or call a member service representative at one of our branches to enroll.  You can also check your accounts by reviewing your monthly statement or visiting a branch and talking with one of our member service representatives.

Q: Is there a charge for direct deposit?

A: This service is free to all participating Family First Credit Union members.

Q: If I sign up for direct deposit will it take longer for me to receive the money than if I didn’t sign up?

A: Family First Credit Union deposits the money into your account upon receipt from your employer. If your employer submits payroll electronically, your money will be in your account by 9 a.m. the following morning.  If your employer submits payroll manually, it will be deposited immediately upon receipt.  Direct deposit should not cause a delay in receiving your paycheck.

Hapeville Main Branch
3604 Atlanta Ave.
Hapeville, GA 30354
Phone: (404) 768-4980
Fax: (404) 768-5496

Roswell Branch
1560 Holcomb Bridge Rd.
Roswell, GA 30076
Phone: (770) 667-8114
Fax: (770) 667-8329

Family First Credit Union is committed to providing equal access to all individuals, including those with disabilities, seeking information on our website. If you are unable to access content on this website, have questions about accessibility of content or technology used by Family First CU, and/or would like to report barriers to accessing any technology used by Family First CU, including this website, please contact us at 3604 Atlanta Ave, Hapeville, GA 30354, Email:, fax: 404-768-5496 and Phone: 404-768-4980.

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